Douglas Ellis is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Avantax Advisory Services and Avantax Investment Services, Inc. prior to joining Cetera. Ellis has been self-employed since 1990. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Zachary Sterner is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. His prior experience includes roles at Rocky Mountain Reserve and several positions in the automotive sector. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a broad investable universe.

Kimber Smith is a ChFC® and Series 66-credentialed financial advisor with Edward Jones, where she has worked since 2012, totaling 13 years of industry experience. She serves as a board member for the Solano County Library Foundation and participates in the Rotary Club of Fairfield, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory programs and affiliated financial services, supported by a large nationwide network of advisors and branches.

Tom Dowse is a Series 66-licensed financial advisor with Morgan Stanley in Napa, California, and has 26 years of industry experience. He has been with Morgan Stanley and its private bank since 2014 and serves as President and CEO of Dowse Securities Management Corporation. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a range of investment programs.

Tracy Schmuhl is a financial advisor with Charles Schwab in Napa, CA, holding a CFP® designation and Series 63, 65, and 66 licenses. She has 11 years of industry experience, including roles at Charles Schwab Bank SSB, Charles Schwab & Co., Inc., and Banc of America Investment Services, Inc. Outside of her advisory work, she provides notary services. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management alongside brokerage and custody services.

Michael Oshea is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 13 years of industry experience. His background includes roles at BMO Harris Bank, Equis Financial, NYLIFE Securities LLC, New York Life Insurance Co, Bank of San Francisco, and Union Banc Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management services through a large network of investment adviser representatives, combining advisory capabilities with a broad set of financial products and partnerships.

Pamela Thompson is a CFP®-designated financial advisor with UBS Financial Services in Sacramento, CA, where she has worked since 2001. She has 28 years of industry experience. Outside of her financial advisory role, she and her husband perform music in wine tasting rooms, including Mangels Vineyards and Back Road Vines. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans that align with clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Diana Wei is a financial advisor at Ameriprise with nine years of industry experience. She holds a Series 66 designation and has worked at Ameriprise Financial Services in various capacities since 2016. Diana is also the owner and employee of Nexus Pathways LLC, through which she manages her advisory business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Jeff Roman is a financial advisor at Charles Schwab with a Series 66 credential and experience spanning roles at Northwestern Mutual and HA Financing. He has been with Charles Schwab and its affiliated bank since 2025. Outside of his advisory work, Roman serves on the boards of the Napa County Hispanic Network and Moose International Lodge 516, contributing to scholarship fundraising and lodge maintenance, respectively. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance supported by multi-asset model portfolios, centralized supervisory structures, and a formal alternative investment process.

Monique Moreno is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch Pierce, Fenner & Smith, Inc. since 2007. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers a range of model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Oscar Robles is a Resident Director with Merrill Lynch Wealth Management, leading the Santa Rosa complex that manages more than $3 billion in client assets across Northern California. Alongside his leadership role, he advises clients directly through his wealth management practice, Lee Robles Associates, focusing on the needs of families, business owners, executives, and entrepreneurs. With over 15 years of experience in the financial industry, Oscar specializes in helping business owners, entrepreneurs, and self-made wealth creators navigate the complexities of financial success. His advisory process begins by understanding each client's values and goals. He coordinates strategies involving investment management, cash flow planning, lending, tax-aware investing, estate planning, and multigenerational wealth transfer. His areas of focus include college education planning, employee benefits planning, family wealth management strategies, legacy planning, personal retirement planning, tax minimization, and retirement income. Oscar holds a bachelor's degree from San Francisco State University and holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is bilingual in English and Spanish. Committed to community service, he is a founding member of Bank of America's Hispanic Latino Business Council for the San Francisco region and serves on the board of Community Health Initiative, a nonprofit that provides healthcare access to underserved families across California. Oscar resides in Napa Valley with his wife and three children.

Kerry Romstad is a financial advisor with Charles Schwab in Napa, California, holding Series 63, 65, and 66 licenses and 22 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2012. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment selection process.

Beth Rowe is a financial advisor with Edward Jones in Vacaville, CA, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. Her prior work includes roles at Bank of America and Merrill from 2013 to 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Diana Espinel is a financial advisor at UBS Financial Services with nine years of industry experience. She has held roles at firms including Merrill, Bank of America, and JP Morgan Chase Bank. Espinel holds Series 63 and Series 66 licenses. UBS Financial Services Inc. provides brokerage and investment advisory solutions to individual, corporate, and institutional clients. The firm combines institutional trading capabilities with wealth management services, offering fee-based financial planning, portfolio management, and access to proprietary research.

Jamie Olhiser is a financial advisor with UBS Financial Services, holding a Series 66 designation and three years of industry experience. He has worked at UBS since 2021 and is also associated with Evolve. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, employing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients' goals. The firm combines institutional trading capabilities with wealth management services and provides custody, underwriting, and capital markets solutions.

Susan Lyle is a Senior Financial Advisor and First Vice President with Merrill Lynch Wealth Management in Napa, California. She brings more than three decades of experience in the financial services industry, having held positions at Dean Witter, First Union, WMFS Financial, FB Financial Services, and Wells Fargo. At Merrill Lynch, Susan serves a diverse and accomplished clientele nationwide, providing wealth management strategies tailored to multiple generations of families. Her expertise includes college education planning, executive compensation, family wealth management, personal retirement planning, portfolio management, special needs planning, tax minimization, and retirement income strategies. Susan holds a Bachelor's Degree from Palm Beach Atlantic University and professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). She collaborates with a team of strategic specialists at Merrill Lynch and partners with banking services at Bank of America. Susan also coordinates with clients’ CPAs and attorneys to address tax or legal updates, helping identify potential gaps in financial plans. Beyond her professional work, Susan has served as a board member for Mentis, Napa’s center for mental health services. She has volunteered for various causes supporting children and senior citizens and coached youth sports during her children's early years. Her personal interests include swimming, spending time with her pets, home improvement projects, and exploring the Napa area through dining and wine tasting.

Renee Mc Leod is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in collaborating with individuals and families to develop personalized wealth management strategies that address a broad range of life priorities, including family wealth management, retirement planning, and managing new wealth. Renee holds a Bachelor's Degree from Sonoma State University and has earned the designations of Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). She has experience focusing on comprehensive financial planning, emphasizing goals-based wealth strategies that adapt to changing market conditions and life stages. In addition to her professional work, Renee has been involved in community organizations such as COPE Family Resources and the Napa Valley College Foundation, where she has served in roles including HR Committee member and board member, respectively. Outside of work, she enjoys antiquing, gardening, music, and spending time with her family.

Michael White is a financial advisor with LPL Financial in Vacaville, CA, holding the CFP® designation and Series 66 license, with 19 years of industry experience. He previously worked at Edward Jones from 2007 to 2010 and has been associated with Travis Credit Union and LPL Financial since 2010. White also serves as successor trustee for a family trust and provides financial services to credit union members. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm supports a broad range of investment solutions and platforms, combining scale and diverse financial activities with oversight of more than $819 billion in discretionary assets.

Austin Fitzpatrick is a Financial Advisor based in Napa, California, affiliated with Merrill Lynch Wealth Management. He specializes in working with individuals and families to develop personalized strategies that align with their financial goals, supporting clients through college education planning, family wealth management, and personal retirement planning. Austin integrates his background as a former collegiate and professional athlete into his approach, emphasizing discipline, preparation, and long-term commitment in financial planning. He holds a Bachelor's Degree in Finance from California State University, Stanislaus, and maintains the Chartered Retirement Planning Counselor™ (CRPC™) designation along with the Personal Investment Advisor (PIA) credential. In addition to his professional work, Austin is involved in his community through participation with the St. Helena Little League. His personal interests include baseball, cooking, fishing, hiking, and reading.

James Dimarco is a financial advisor with LPL Financial in Napa, CA, holding a Series 66 designation and 18 years of industry experience. His prior firms include Waddell & Reed, where he worked for seven years, and Financial Advocates Investment Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.